By how many points can a score be Raised by getting a delinquency erased?

[Anonymous]

My husband has 4 school delinquencies on his credit score. He was never late with these payments and plans to challenge them. By how many points might his score be raised be getting these erased? We are trying to buy a home and need to clean up a few things first. Thanks!

[haulingthescoreup]

Hard to say, because it varies depending on your overall credit picture, current scores, age and severity of lates, and so forth.

Try the FICO score estimator. It's pretty broad, but interesting. Just put in the info from one CRA --in others words, not all your inqs, but just the number on one, etc. For the questions about lates, put in what you hope your situation will be:

http://www.myfico.com/FICOCreditScoreEstimator/Estimator.aspx